Despite what convention teaches us, debtless people realise debt is not a tool, you don’t need a credit card to survive. In fact, you can study without student loans and you can buy an affordable car that doesn’t take away a chunk of money from the budget.

Debtless people are controlled

Debtless people make a plan and stick to it. If they want to get out of debt, they walk past the flat-screen TV store and they bypass the shoe shop without whipping out a credit card on impulse. They’re not swayed by objects just because there’s a sale on. They know that buying something doesn’t cure other problems. They wait, work, and save up.

Debtless people have confidence

Someone who believes in their budget doesn’t care what anyone else thinks. They’re happy to drive an older car, live in the same house all their lives, and wear last season’s outfits. They don’t need swanky holidays or items with labels, and their confidence grows with every bill or debt they pay.

Debtless people have goals

Debt-free living in itself is a goal, and people who want to accomplish this way of life keep that in mind. They set measurable, relevant and achievable goals with achievable deadlines.

Debtless people run in the opposite direction

People who are fed up with debt run as fast as they can the other way. They squeeze everything they have from their budget, they look for sales, they work hard, they coupon.

Debtless people aren’t bothered by “stuff”

A materialistic person worries about stud. They borrow for holidays, cars, clothes and big houses. Someone determined to live a debt-free life knows that money cannot buy happiness. So, they don’t let themselves fall into the trap of wanting more stuff than they can afford. They’re content with what they already have.

Debtless people make sacrifices when they need to

Going to movies, eating out, buying the latest outfits – these are all things debtless people avoid in their effort to live debt-free. Remember this, though: budget cuts are only temporary. Once that debt is cleared, there’s more room to budget for special treats and outings.

You can be debt free, too

When you take a close look at debt, you really will see it for what it is – something that’s well and truly holding you back. Once you realize that, it’s far easier to be patient and make more sacrifices. Believe it or not, you can be debtless!